Personal Accident Coverage for International Employers
If your company is sending employees abroad, especially to higher risk countries, you should contact our firm to discuss purchasing a group personal accident policy for your short-term traveling and expatriate staff overseas. We may even be able to cover the local nationals on a global pooling basis. Through TFG Global Insurance Solutions Ltd has extensive experience in sourcing group personal accident policies on a stand-alone, as part of a global benefit plan, or through a business travel insurance package. We work with large global insurance companies that can underwrite group personal accident insurance plans for international assignees that deliver excellent coverage that will help your company or organization meet its duty of care.
Coverage usually starts at USD 50,000 and can usually be increased to 5 to 10 times annual earnings up to a pre-defined maximum. Some plans will be available on an individual basis depending on the location of the person applying. A typical plan will include:
- Accidental Death & Dismemberment (AD&D)
- Accidental Permanent Total Disablement (APTD)
- Emergency Medical Coverage During Travel
- Temporary Disablement Income Coverage
We can in most circumstances have the insurer include coverage for passive war and terrorism, especially if the employees are traveling or posted to high-risk countries. We can also work with companies in a variety of industries and employees engaged in hazardous occupations.
For more information and to discuss your global personal accident protection requirements, please contact us today.